Best posts made by goldsheet

Another via Savebetter Platform
CloudBank 24/7 Savings 4.48% APY
https://www.savebetter.com/banks/cloudbank-24-7/high-yield-savings-account

UFB Preferred Savings and Money Market was 4.55%, now 5.02%
CFG was 4.55%, now 4.70%
Bask was 4.25%, now 4.35%

CFG was 4.70%, now 4.80%
American Express was 3.50%, now 3.75%

Discover AAII was 3.55%% now 3.65%
Discover was 3.50% now 3.60%
Bask was 4.35% now 4.45%

Redneck and All America was 4.25%, now 4.55% (up to $75,000)
Vio Cornerstone was 4.40%, now 4.50%

Don’t think it was only list but another fintech - Enzo was 4.27%, now dead/closed

@goldsheet

@goldsheet said in Best Nationally Available High APY Liquid Accounts:

NEW #1 Total Direct was 4.44%, now 5.05%
https://www.totaldirectbank.com/personal/money-market-accounts

Did not last long: Total Direct was 5.05%, now DOWN to 4.50%

Did not last long: Total Direct was 5.05%, now DOWN to 4.50%

Good luck opening an account. When they deny you they wont give any reason. Glad they did now.

Already had an account.
Also, financial institutions are not required to give you a reason.
They just refer you to ChexSystems or EWS, Reports you should order.
ChexSystems: https://www.chexsystems.com/request-reports/consumer-disclosure
EWS: https://www.earlywarning.com/consumer-information

Should also get all your credit reports
https://www.annualcreditreport.com/index.action
Experian: https://www.experian.com
Equifax: https://www.equifax.com
Transunion: https://www.transunion.com
LexisNexus: https://consumer.risk.lexisnexis.com

Also free sites:
Credit Karma: https://www.creditkarma.com
Credit Sesame: https://www.creditsesame.com

Northern Bank Direct was 4.35% now 4.75%

Patriot Bank MM was 4.60%, now 4.75%
Popular Direct High Rise Savings was 4.40%, now 4.45%
Quontic High Yield Savings was 3.70%, now 4.05%
ConnectOneBank Online Savings was 3.09%. now 4.00%

Mission Valley Bank Savings was 4.71%, now 4.80%

Note: Salem Five is one of several banks where you have to call to get higher rate, not automatic,

One-Month Treasury Par Yield.
https://home.treasury.gov/policy-issues/financing-the-government/interest-rate-statistics

Ivy Bank Indexed Savings (not available in CA) was 4.75%, now DOWN to 4.32%

Vio was 4.50%, now 4.55%

Republic Bank was 4.60%, now 4.63% (silly tiny increase)
(Nationally available except IL, IN, MI, and WI)

@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
RE: New 5% account from Newtek Bank
In the FAQ it says "Withdrawals from your account can only be transferred to the original external funding source."
Just makes me wonder how many external accounts one can link and how they would keep track of where funds came from.

Republic Bank of Chicago 4.63% to 4.65%

Redneck Mega Money Market was 4.55%, now 4.80%
All America Mega Money Market was 4.55%, now 4.80%

SoFi Savings was 4.00%, now 4.20%
(requires direct deposit, otherwise 1.20%)

Bask was 4.65%, now 4.75%

New Laurel Road High Yield Savings 4.80%
https://www.laurelroad.com/high-yield-savings-account

Juno Finance (Evolve Bank & Trust)
was 5.00% up to $25,000, then 4.00%
now 5.00% up to $50,000, then 4.00%

Laurel Road High Yield Savings 4.80%
https://www.laurelroad.com/high-yield-savings-account/

Note: They currently have a $200 bonus offer for opening a checking account which may be of interest. See website.

@mtnagel
M1 had better promotions last year.
I deposited $50K into INVEST (0.0%) to get a $500 bonus
When bonus was credited I moved $ to SPEND
SPEND was paying competitive rate and $125 fee was waived for one year.
Didn’t renew M1+ and emptied the account.

Ally Online Savings Account was 3.75%, now 3.85% (sad)

@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:

All America Bank MM was 4.80% now 5.05%
Redneck Bank MM was 4.80% now 5.05%

They also increased maximum deposit from $75,000 to $100,000
(Already updated in table, but wanted to mention it here)

Total Direct was 4.95%, now 5.07%
America First CU (via savebetter) was 4.90%, now 5.03%
Salem Five was 4.61%, now 5.01%
Upgrade Premier was 4.56%, now 4.81%
Vanguard Cash Plus was 4.25%, now 4.50%

Vio Cornerstone was 4.85%, now 4.88%

FYI: We are excited to announce that by the end of June, SaveBetter’s name will officially change to Raisin
https://www.savebetter.com/blogs/introducing-raisin-your-secure-savings-marketplace

Bread Savings was 4.65%, now 4.75%

Northpointe Bank is offering a bonus of up to $1,250 when you open a new Promotional Ultimate Savings
or Promotional Money Market account and maintain a qualifying balance for 3 months.
Bonuses are as follows:
Deposit and maintain $25,000 – $50,000 and get a $350 bonus (350/25000=1.40%)
Deposit and maintain $50,000 – $75,000 and get a $750 bonus (750/50000=1.50%)
Deposit and maintain $75,000 – $100,000 and get a $1,000 bonus (1000/75000=1.33%)
Deposit and maintain $100,000+ and get a $1,250 bonus (1250/100000=1.25%)
https://www.northpointe.com/promotion/

Note: Promotional account pay 0.00-0.25% interest, so almost bonus only.
One can get about $625 interest in 3 months at 5.00%,
so depositing $50k to get $750 ($125 more) may NOT be worth the effort

America First (via Raisin) was 5.05%. now 5.12%
CloudBank (via Raisin) was 5.05%. now 5.11%
Virtual Bank eMoney Market was 4.80%, now 5.00%

Note: savebetter.com is now raisin.com (custodial accounts)

Vio Cornerstone Money Market was 4.88%, now 5.02%

CFG was 5.12%, now 5.17%
America First CU was 5.12%, now 5.15%
Patriot Bank MM was 5.05%, now 5.15%
Ponce Bank MMDA was 5.05%, now 5.15%
Mission Valley Bank Savings was 5.06%, now 5.12%
FVC Bank MM was 5.00%, now 5.10%
Popular Direct High-Rise Savings was 5.00%, now 5.05%
http://www.rejohnsonjr.com/SAVINGS.HTM

NEW: Brillant Bank Magnetic Money Market 4.65%

Appears “Brilliant Bank Luminary Money Market” is still 5.25% but no longer available.

Note: Except Arkansas, Kansas, Missouri, and Oklahoma

@jtownsucks46
It only shows me Electric (4.30%) and Magnetic (4.65%) = Weird ?

Deleted

@jtownsucks46
Emigrant Direct appears to be 4.00% ?

Here we go again, another “NEW” account from UFB
UFB Priority Savings 5.06%
https://www.ufbdirect.com/

@turtlebug said in Best Nationally Available High APY Liquid Accounts:

@goldsheet
Sorry - didn’t see your milli post from 2wks ago.

It’s OK. Just wanted to let you know the issue.
Milli hasn’t been any fun so far

@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:

@goldsheet said in Best Nationally Available High APY Liquid Accounts:

Total Direct Bank was 5.07%, now 5.20%

Posted previously on Friday.

Sorry missed it.

OptimumBank (via Raisin) 5.22%
https://www.raisin.com/en-us/banks/optimumbank/money-market-deposit-account

First Foundation was 4.85% now 5.00%

@jtownsucks46 said

Posted previously

Appears I screwed up twice in one week. Went back and deleted them. I better take a vacation.

BluPeak Credit Union 5.33%
Membership in BluPeak Credit Union is open to anyone through a membership in KPBS (PBS member station in San Diego) . Those who live, work, or worship in the California counties of California counties of Alameda, Sacramento, San Diego, Santa Clara, or Yolo also qualify for membership.
https://www.blupeak.com/

Ameriprise Financial $500 Savings Bonus
(Might only be available to Ameriprise customers ?)
https://www.ameriprise.com/products/cash-cards-lending/bank-savings

FVC was 5.10% , now 5.26% (Raisin)
CloudBank 24/7 Savings was 5.20%, now 5.26% (Raisin)
America First CU 5.26% (Raisin)
Greenwood CU Savings 5.26% (Raisin)
Milli 5.25%

FYI: Brio Direct Savings Plus 5.35%
Available to current account holders only,
not accepting new applications, as far as I know.

Popular Direct Select Savings 5.40%
https://www.populardirect.com/products/savings/
Note: Appears to be a new account offering

Ivy Bank High Yield Savings (except California) was 5.00%, now 5.30%
(rate guaranteed through 6/30/24)

Pacific Western Bank Money Market was 5.25%, now 5.27%